Qualifying life events

What is a qualifying life event?

One of the things you can count on in life is change. When those changes come, they might open the door for you to qualify to sign up for health insurance outside the annual open enrollment period. Here’s what you need to know:

Sign up right away

Usually, you’ll need to make changes within 30 or 60 days of your qualifying life event, depending on your plan. If you miss this deadline, you may have to wait until the next open enrollment – and that could be up to 11 months away. For more information, check your plan documents or contact your employer.

Short Term Health Insurance is another option to explore if you’re between enrollment periods. 

Types of qualifying life events


Whether it’s marriage, retirement, loss of a loved one or birth of a new baby, there are many family-related life events that may qualify.

Turning 26

No longer on your parents’ health insurance? No worries—there are budget-friendly plans designed specifically for you.

Change of Address

Moving out of state? Or simply moved out of your existing coverage area? For an unexpected relocation, you may qualify for special enrollment.


If you’re starting a new job, losing the one you have or have other employment-related circumstances, you may qualify for special enrollment.


No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

Short Term Medical plans are medically underwritten and do not provide coverage for preexisting conditions or meet the mandated coverage necessary to avoid tax penalty under the Affordable Care Act (ACA). Expiration or termination of a Short Term Medical℠ plan does not trigger an ACA Special Enrollment opportunity.

References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.

Each company is a separate entity and is not responsible for another's financial or contractual obligations.

Administrative services are provided by United HealthCare Services, Inc.

Products and services offered are underwritten by All Savers Insurance Company, Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Plans (NJ), Inc., UnitedHealthcare Benefits Plan of California, UnitedHealthcare Community Plan, Inc., UnitedHealthcare Insurance Company, UnitedHealthcare Life Insurance Company, UnitedHealthcare of Colorado, Inc., UnitedHealthcare of Alabama, Inc., UnitedHealthcare of Arkansas, Inc., UnitedHealthcare of Florida, Inc., UnitedHealthcare of Georgia, Inc., UnitedHealthcare of Kentucky, LTD., UnitedHealthcare of Louisiana, Inc., UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of the Midlands, Inc., UnitedHealthcare of the Midwest, UnitedHealthcare of Mississippi, Inc., UnitedHealthcare of New England, Inc., UnitedHealthcare of New York, Inc., UnitedHealthcare of North Carolina, Inc., UnitedHealthcare of Ohio, Inc., UnitedHealthcare of Oklahoma, Inc., UnitedHealthcare of Pennsylvania, Inc. and UnitedHealthcare of Washington, Inc.